USA Patriot Act

Important information about procedures for opening a new account:

  • To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
  • What this means for you: You must personally appear at the Credit Union to establish membership. At that time we will ask for your name, address, date of birth, and other information that will allow us to identify you. We are also required to make a photo copy of your driver’s license and one other identifying document.

    Regular Share Savings

    Our basic savings account required minimum balance of $25 for your share of ownership in our not-for-profit financial cooperative. The $25 Ownership Share is your money and goes back to you if and when your account is closed. Once you become a member and maintain the minimum balance in your account, you are entitled to take advantage of all products, services and promotions offered. Once a member, you will always be a member and your family members are eligible also.

    Kidz Club

    It’s never too late to start saving for your child’s future.  Children under the age of 12 join for FREE.  Teach them to start saving early so they can grow up to become better money managers.

      • Stork Club ages birth to 2
      • Kidz Club ages 2 to 12
      • SmarTeen (Savings ages 13 thru 17)
      • Thrive By 5 Education Information

    Christmas Club

    The recipe for peace of mind all year long. Helping you and Santa is our specialty. We provide a smart way to pay for your gifts and earn interest instead of paying it with our easy payroll deduction Christmas Club. It’s never too late to join our program. The Christmas Club year ends September 30 and checks are distributed in October.

      • Christmas Club Application

    Travelers Club

    Our Travelers Club account is designed specifically to provide a separate subaccount to your Regular Share Savings account that can be used for funds to provide for you and your family’s next vacation. This allows you to plan ahead more easily and like other club accounts has limited access of two times per year without penalty.


    Education Savings

    Another separate sub-account that provides a convenient way to save towards your continuing education or for your children. Unlike many other forms of Education Savings, these funds offer no tax advantages but may be used for any purpose. Withdrawal is limited to two times per year without penalty.

    Emergency Fund

    This great budgeting tool can help you better plan for the future. Everyone should set aside enough funds to at least cover their medical insurance deductible. This account can also be used to accumulate large annual payments for things like Property Tax.

    Emergency Fund Application

    Money Market

    You could earn more interest with your funds deposited in a Money Market account. There is a $10 per month fee should your balance be less than $2,500. Interest is compounded daily and posted to your account biannually. These offer a tiered structure – the greater the balance in the account the higher the dividend rate.

    Time Share Certificates

    Earn more with our Time Share Certificates of Deposit. Several monthly terms to choose, with a minimum deposit of as low as $500. Available for Kidz Club Members, too with a $100 minimum deposit.

    Espree Debit Card

    The safest way to shop or carry your money. Our reloadable MasterCard debit card is easy to use and accepted everywhere MasterCard is accepted in the U.S.A. and abroad. Pay your bills online and have secure ATM access to your money. Make free signature purchases and get cash-back at retailers nationwide by using your personal identification number (PIN). Load it and use it today.